VERSATILE LOAN OFFERINGS. Loans Customised to Meet Your Needs

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1 VERSATILE LOAN OF- VERSATILE LOAN OFFERINGS Loans Customised to Meet Your Needs Mack Financial Services can customise loan terms to your business requirements and resources. We offer unique programs, flexible options, competitive rates and outstanding service. And unlike other lenders, we do not charge monthly account keeping fees. We understand the cyclical nature of the transport and construction industry as well as anyone. We ll work with you to design a plan that matches your cash flow, with terms ranging from 24 to 60 months.* Our offerings and options include Simple Interest Loans. Terms can be tailored to your business needs and cash flow concerns. Accelerated Payments. You can start with a deposit up front followed by monthly payments to build up equity. Skip or Seasonal Payments. This option matches your payment stream to your cash flow by allowing you to skip payments during cycles of decreased activity (for example, in winter) and make higher payments in income-producing months. Balloon Payments. With this loan structure, you ll make a large, lump-sum payment scheduled at the end of a series of smaller monthly or periodic payments. Benefits of Loans You take possession of and own the equipment. Your business can gain immediate equity through down payment or trade-in. Mack Financial Services features simple loans and there are no monthly account keeping fees. As a Mack Financial Services customer, you can benefit from a variety of special finance programs available through your dealer. Equipment financing or leasing through Mack Financial Services can help preserve banks lines of credit. Loan products offer tax depreciation benefits of ownership** with no limitations or return conditions. At Mack Financial Services, we know how to respond to challenges with full-service solutions. You can count on us for loan programs that can help build your business. *Loan and lease structure availability are subject to credit review and approval by Mack Financial Services. ** Mack Financial Services does not provide tax or accounting advice. Customers should consult their tax adviser or accountant about individual circumstances.

2 FLEXIBLE LEASE PRODUCTS Flexible Lease Options to Meet Your Needs Lease arrangements from Mack Financial Services can offer your business lower monthly payments and greater budget flexibility. And at the end of the lease term, you decide whether to return the equipment, work with Mack Financial Services to purchase the equipment you leased, or go back to work with new equipment. Our offerings include Finance Lease. This is a highly customisable lease that includes a residual payment at the end of the lease term. Operating Lease. With this option, you can decide at the end of the lease term whether to return the equipment or offer to purchase at the fair market value. Benefits of Leases Typically, you finance 100% of the invoice value excluding GST. Payments are usually lower than loan instalment payments, so leasing can improve cash flow.* You have the option to finalise your contract at the end of a finance lease term for the residual value. Fluctuations in used equipment values are less of a concern. Leasing allows you to lock in equipment costs (excluding items such as repairs, maintenance charges and local taxes). Payments are fixed and the risk of changes in used values is eliminated. Some leases may qualify for off-balance sheet treatment.** As a Mack Financial Services customer, you can benefit from a variety of special lease and finance programs available through your dealer. Equipment leasing or financing through Mack Financial Services can help preserve bank lines of credit. At Mack Financial Services, we have the expertise and lease product flexibility to maximize your company s cash flow. You can count us to ask the right questions and find the best solution to keep your business moving forward. *Loan and lease structure availability are subject to credit review and approval by Mack Financial Services. ** Mack Financial Services does not provide tax or accounting advice. Customers should consult their tax adviser or accountant about individual circumstances.

3 UNDERSTANDING CUSTOMER NEEDS Customised Solutions to Drive Your Business Success Mack Financial Services believes that to provide you with the best financial products, it s critical to understand what s important to your business needs, plans, strategies and financial objectives. With this information, we can create a finance or lease solution that meets the unique goals and objectives of your business, such as cash flow, minimising tax liability and life-cycle costs. Your answers to these questions will help us customise a finance or lease solution for you. 1. How long do you keep the equipment in your fleet what is the typical life-cycle of your equipment? 2. What are the annual usage km or hours? 3. Is fixed life-cycle cost of ownership important to you? 4. At what point in the equipment s life-cycle does the maintenance cost begin to accelerate? 5. What is the current market value of a five-year-old piece of equipment? 6. What disposal method do you use when a piece of equipment is at the end of its useful life? 7. Is volatility in used equipment value a concern? 8. Is high maintenance cost on aged equipment a concern in your business? 9. Is being on the leading edge of equipment technology or fuel efficiency important to you? 10. Is preserving your bank line of credit important to your business strategy? 11. Are your annual equipment purchase decisions based on a project/job costing or annual budget? 12. Is off-balance sheet treatment of interest to you?

4 PRODUCT SUMMARY Finance and Lease Solutions as Powerful as Our Products You need equipment you can depend on to get the job done. Your financing should be just as powerful and reliable. Mack Financial Services delivers a full range of products and services available directly through your Mack dealer. You ll get a finance or lease solution that s tailored to your needs from the same place where you purchase and service your equipment. This approach is not only convenient; it also means you ll work with people who are familiar with your equipment needs and business goals. Choose Mack Financial Services In today s economy, it s more important than ever for customers to have a financial source they can count on. Our customers choose Mack Financial Services because they know we are committed to offering versatile and comprehensive loan and lease solutions and we re ready to do business. We deliver real value to customers, with benefits such as: Professional Finance Managers. Our team of Finance Managers are professional people who understand your industry and have the experience to tailor the solution for you. We are uniquely placed with that experience and share your objectives for growth. Responding to Your Timetable. Our objective is to make your purchase a seamless experience by responding quickly and delivering to your expectations. Customer Support Products. Your financing can be structured to include warranty protection, flexible customer support agreements and the Mack Service program. Customer Service Team. Our customer service representatives are available to talk with you from 8am to 6pm AEST, Monday through Friday. We re also conveniently available by . Lines of Credit. We can accommodate your future capital expenditure requirements with a Line of Credit that is simple and quick to draw down. No fuss and you are on the road faster. Work With the Best Whether you finance or lease your next purchase, we make it easy to get your equipment working for you. You should always expect the best when you work with Mack Financial Services.

5 CUSTOMER BENEFITS Why Work With Mack Financial Services There are many reasons to choose Mack Financial Services when financing or leasing the equipment your business needs. Ease of Business Our comprehensive range of products & services and quick quote turnaround make it easy for you to choose the best finance Finance and Lease Products Your business is unique, and your finance or lease solution should be too. We offer loans and leases that can be customised to fit your One Stop Shopping You will find that our products and services will support you and your business long after the deal is signed - all at your Relationship Focused We focus on building long term relationships by providing you the best in products, service and continuing Strength and Stability of the Volvo Group The resources and knowledge of a global leader are behind you every step of the way. Clear Focus We are transport and construction finance experts - it is ALL WE DO. We understand your business and industry. Customer Service Talk to us through your dedicated Finance Manager or on Dedicated Support Your equipment purchase is supported by a dedicated, responsive sales and credit team. This gets you out of the dealership and on the job - fast. Industry Experience Mack Financial Services professionals have an average of almost 20 years experience in equipment finance. We have the knowledge to structure deals, offer alternative finance or lease solutions, and help select products At Mack Financial Services, we know how to balance challenges with solutions. You can count on us to work with you in good and bad times, and to provide products and services that are the best for your needs.